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Rates and APYs accurate as of August 21, 2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

LTV = Loan To Value

All rates are subject to change without prior notice. These rates replace any rates posted before the date listed above. Only Ferguson FCU members are eligible for these rates. A minimum Savings deposit of $5 is required for membership. Rates may be found online or by calling (601) 587-4037.


Primary Accounts

Account Minimum Balance APY
Regular Savings $1000 0.200187%
Youth Savings $1 0.200187%
Christmas Club $50 0.300412%
IRA $500 0.651586%
IRA $50,000 0.963461%
Youth Checking $1 0.150103%*
Consumer Checking $500 0.10%
$mart Checking $500 2.49%*
Business Checking $1,000 0.200187%

*$mart Checking limit for rate is $20,000.00. Balance over limit will earn standard published rate shown below.

Share & IRA Certificates (CDs) Learn More

Term Minimum Balance APY
12 Months $1,000 0.40%
24 Months $1,000 0.50%
36 Months $1,000 0.60%
48 Months $1,000 0.70%
60 Months $1,000 0.90%

Penalty for early withdrawal.

High Yield Money Market Accounts Learn More

Tier APY
$2,500 - $9,999 0.25%
$10,000 - $34,999 0.45%
$35,000 - $74,999 0.65%
$75,000+ 0.85%

Auto Loans Learn More

Type APR as low as1 Terms up to1
New Auto 1.99% Terms up to 84 months
Used Auto (3-9 years old) 2.49% Terms up to 84 months
Older Auto (10-24 years old) 4.59% Terms up to 60 months
Classic Auto (25 years and older 2.99% Terms up to 60months

1Actual rates and terms vary based on credit history, loan amount, and collateral.

APR is annual percentage rate.

Other Vehicle Loans Learn More

Type APR as low as1 Terms up to1
New Boats (all current year models) 5.25% Terms up to 144 months
Used Boats (previous year models and older) 6.25% Terms up to 144 months
New RV's, Campers, and Travel Trailers 5.25% Terms up to 144 months
Used RV's, Campers, and Travel Trailers 6.25% Terms up to 144 months
New Motorcycles 3.99% Terms up to 60 months
Used Motorcycles 4.99% Terms up to 60 months
Older Motorcycles 6+ Years 8.99% Terms up to 60 months
New ATV/Golf Cart 3.99% Terms up to 60 months
Older ATV/Golf Cart 4.99% Terms up to 60months
New Tractor 4.99% Terms up to 60 months
Used Tractor 4.99% Terms up to 60 months

1Actual rates and terms vary based on credit history, loan amount, and collateral.

APR is annual percentage rate.

Personal Loans

Type APR as low as1
Signature Loans 8.99%1
Credit Cards Rates as low as 9.95%2

1Actual rates and terms vary based on credit history, loan amount, and collateral.

2Actual rates and terms based on credit history and loan amount

Share Secured

Loan Type Maximum Loan Amount Term APR1
Shared Secured 100% of available shares Up to 120 months 2.00% above prior quarter Share dividend
Certificate Pledge 100% of original balance Up to 120 months 2.00% above prior quarter Share Certificate rate

APR is annual percentage rate

Mortgages Learn More

Type Term LTV APR
Conventional 10 Years 80% LTV
90% LTV
As low as 6.50%
As low as 7.00%
Conventional 15 Years 80% LTV
90% LTV
As low as 6.50%
As low as 7.25%
Conventional 20 Years 80% LTV
90% LTV
As low as 6.75%
As low as 7.75%
Conventional 3/30 Years 80% LTV
90% LTV
As low as 5.25%
As low as 5.75%
Manufactured Homes 10 Years 80% LTV
90% LTV
As low as 8.00%
As low as 8.25%
Manufactured Homes 15 Years 80% LTV
90% LTV
As low as 8.25%
As low as 8.50%
Manufactured Homes 20 Years 80% LTV
90% LTV
As low as 8.50%
As low as 8.75%
Land 10 Years 100% LTV As low as 8.25%
Land 15 Years 100% LTV As low as 8.50%
Land 3/30 Years 100%LTV As low as 6.50%
Land 5/30 Years 100%LTV  As low as 7.75%
Construction 1 Year 80% LTV As low as 7.25%

Call for Rates on FHA,USDA,VA,and FNMA at 601-587-4037.


Dividends are compounded and paid monthly on Checking, quarterly on all Savings types. Dividends are based on credit union earnings at the end of the dividend period and are not guaranteed.

Specific loan rates are based on credit history, collateral details, and borrower history as determined by credit application process. Final rate will be determined after the application is reviewed. All loans subject to credit approval. All rates subject to change without notice.

Federally insured by NCUA.

We do business in accordance with Federal Housing Laws and Equal Credit Opportunity Act. All loans subject to credit approval.

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